Kapilendo – Banking. Aber besser.Banking. Aber besser.

Innovation Lab

We are not waiting for the (r)evolution in the financial world.
We actively participate in shaping it.

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The financial world's (r)evolution

We make financial innovation a tangible experience for our customers and bridge the gap between the traditional and digital financial world. With Open Banking (API), decentralized information systems (DLT, Blockchain) and intelligent systems (AI) we enable new and better solutions for corporate financing and investment.

Our Innovation Lab is a space in which our team creates new possibilities and puts them through their paces. The results are contemporary offerings and products that are intelligent, simple, and beneficial to our customers.

Efficient management of digital assets

The adoption of digital assets relies on secure and user friendly custody solutions. The current infrastrucure is not sufficiently designed for mass adoption of the new asset class.

This is why we have founded the Kapilendo Custodian AG. Its mission will be to focus on creating innovative custody solutions for digital assets. The platform will be launching in early 2020.

Digital securities for
corporate financing

SMEs have so far had limited access to capital markets. Our aim is to enable companies to issue their own digital securities - without a bank.

We attach great importance to simple, cost-effective and fast processes that are within the German legal framework.

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Investments in cryptoassets

Cryptoassets are developing into a new attractive asset class. Wealthy investors and family offices in particular, have recognised the appeal of cryptoassets in terms of portfolio diversification. 

To ensure that private and semi-institutional investors also have professional access to this asset class, we use our proven investment principles to develop first-class index solutions that provide long exposure to 10 selected cryptoassets. 

Automated credit decision processes

With APIs from Moody's, the world's leading rating agency, our Kapilendo Rating Engine enables automated credit decisions for corporate financing within seconds.

Together with our experienced team of credit analysts, we offer entrepreneurs a best-in-class rating and pricing process.

Our partners and ecosystem


Stellar is a decentralised open network for the exchange of assets and money that exists since 2015. 


lindenpartners advises clients throughout Germany on corporate law, M&A and banking and capital markets law.

ITSA develops a framework for the classification of cryptographic tokens according to different dimensions.

Let's design the future of banking together

Are you interested in joining forces with us?

We do not believe in reinventing the wheel and rather focus on our core business. To create the best banking experience possible for our customers we are always happy to join with suitable partners that provide realy value for our banking experience.

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Take a look into our product room

In the product room you will get exclusive insights into our product development and future projects.

Talk to us if you feel like we can benefit from a cooperation with you.

Visit the product room

The Innovation Lab Team

The optimal combination of financial expertise and modern technology know-how.

Didier Goepfert

Didier Goepfert

Head of Innovation Lab

Didier, as the Head of Innovation Lab, is responsible for the development of innovative finance products for the clients of Kapilendo AG. Didier obtained his master’s degree in finance by ESMT Berlin and regularly holds lectures in TU Berlin as a guest speaker on the subject of financial technologies.

Bosko Kovacevic

Bosko Kovacevic

Chief Technology Officer

Bosko is our man for the realization of ideas to real solutions. He puts great emphasis on user friendly solutions which everyone - be it young or old – can operate with in a few minutes. Bosko obtained his bachelor’s degree in computer science by the Victoria University in Wellington, New Zealand.

Sven Hohensee

Sven Hohensee

Head of Corporate Finance

Our Head of Corporate Finance supplies us with the experience, that our team uses for the design of new solutions. During his longstanding activities as a corporate client advisor in leading banks, Sven discovered the needs of German entrepreneurs firsthand.

Bewertet von echten Unternehmen & Anlegern

Innovator 2020

Ausgezeichnet als Innovator
des Jahres 2020.

Wir sind Testsieger im Test der Euro am Sonntag gemeinsam mit dem DKI: Beste Unternehmensfinanzierung

Ausgezeichnet mit dem deutschen Exzellenz-Preis.